Microlend: Debt repaid, STILL chasing me

[needingadvice]

Hi,

 

I took out a £100 loan with Microlend at the start of June, I subsequently left my job and could not afford to repay. At the time, I made a token gesture of £35 reducing my balance to £135.00.

 

This I was told, in text and via the phone would be frozen, no interest or charges to be added, and they would keep in touch with me over the next couple of months. This I agreed to, and subsequently started a new, temporary contract.

 

Paid through an umbrella company, which I explained to them meant my wages could hit my account on payday at any point of the day and they agreed, and I have proof, via text that they accepted this fact.

 

The payment was due Fri 5th Oct. Only one slight problem, I was missed off the payment run so nothing hit my account until yesterday. I used a separate account so Microlend could not debit anything they liked (which as it turns out was a good idea) as they were now claiming that I owed £320.00.

 

I agreed in full and final settlement to pay half at £160.00 and actioned a transfer from my account to theirs last night. This shows on my bank statement already and my balance is reduced accordingly.

 

This again, is in writing, via text (I am refusing to speak to them on the phone). However, this morning the calls start and in 90 minutes, I have had 3 texts, and 3 missed calls saying they haven't received calls and are bombarding my current employer with telephone calls. Not helping this is that I am currently ill, in bed.

 

I have stated I will forward a copy of my statement later today (I will black out all other information) showing the payment leaving my account, but still they are harassing me. And as far as I know, my employer.

 

What can I do to get them to stop? I want to ensure that on receipt of my statement this is backed up with appropriate language, information, etc. I am hoping they are not bombarding my employer with calls, as it may very well cost me my job! As a contractor, they can end the contract without having to provide a reason.

 

All help greatly appreciated!!!

[renegadeimp]

Ok. You need to get full complaints in with the lender and the OFT. ALso tell your employer that what they are doing is illegal/unlawful. If you lose your job because of them, then the lender can be shut down and you could recieve a hefty sum in compensation. Not to mention the national press would be interested in this.

[needingadvice]

Thanks, is there any particular template I should use? I am currently on the receiving end of texts that are bordering abusive.

[renegadeimp]

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

 

http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

 

 

Edit both to suit, and send both seperatly using recorded delivery and make sure you track them.

[needingadvice]

Wonderful, thank you - I shall await their response!

[Jamie Kingston]

they took me to court a long time ago, £160 seems a reasonable settlement, how'd you get them to agree?! Well done anyway needingadvice.